La réglementation des risques associés à la gouvernance des régimes complémentaires de retraite.

Dans un univers financier en turbulence, les régimes de retraite privés gèrent une part importante de l’épargne-retraite des Québécois en conciliant les intérêts divergents de différents acteurs : employeurs, participants actifs, retraités, autres intervenants à la gestion. Considérant la complexité des techniques et des instruments financiers, la gestion des régimes de retraite est devenue, pour les administrateurs de régime, un exercice périlleux. Dans ce contexte, la réglementation des risques associés à la gouvernance des régimes de retraite constitue aujourd’hui un enjeu socio-économique important pour assurer leur pérennité dans notre système de retraite. Le cadre légal et réglementaire applicables aux régimes de retraite découle essentiellement de la Loi sur les régimes complémentaires de retraite et ses règlements ainsi que du Code civil du Québec. En s’appuyant sur des études économiques et financières, cette étude analyse le régime juridique du fonctionnement et de la gouvernance des régimes de retraite par les comités de retraite et propose des améliorations en utilisant une approche fondée sur le risque. À titre préliminaire, pour situer dans le temps la problématique actuelle, cette étude présente l’évolution des régimes de retraite privés de l’origine à nos jours en se concentrant sur les règles affectant leur administration. Ensuite, dans une première partie, le cadre théorique sur lequel s’appuie notre étude est exposé. Les régimes de retraite privés y sont présentés comme un intermédiaire opérant sur les marchés financiers par le biais d’autres intermédiaires : les gestionnaires de portefeuilles, les courtiers en valeurs et les gardiens de valeurs. Il s’applique aux régimes de retraite des principes de gouvernance d’entreprise particuliers fondés sur les risques encourus par l’organisation. Cette partie conduit au développement d’une théorie de l’agence des régimes de retraite privés impliquant notamment des relations fondamentales entre l’employeur, les participants et bénéficiaires et le(s) gestionnaire(s) de portefeuille. Dans la seconde partie, l’environnement légal et réglementaire de la gouvernance applicable des régimes de retraite privés est présenté et la structure incitative des règles analysée à la lumière de travaux économiques théoriques et empiriques. Après avoir expliqué les principaux contrats du régime de retraite, un examen de certains mécanismes légaux est effectué : les devoirs généraux des administrateurs, les règles de composition, le fonctionnement interne et l’obligation de rendre compte. Cette étude permet de proposer une série de recommandations visant à améliorer la gouvernance et le fonctionnement des régimes de retraite privés.

Etude des facteurs associés à la détresse psychologique lors de la transition des ainés vers la retraite

Les résultats ont été analysés à l'aide du logiciel SPSS

Veränderungen des Raum-Zeit-Verhaltens im Zuge von Lebensumbrüchen und ihre Anforderungen an die Stadt- und Verkehrsplanung am Beispiel des Eintritts in den Ruhestand

Veränderungen des Raum-Zeit-Verhaltens im Zuge von Lebensumbrüchen und ihre Anforderungen an die Stadt- und Verkehrsplanung am Beispiel des Eintritts in den Ruhestand. In der vorliegenden Dissertation wurde untersucht, ob und in welchem Maße sich das Raum-Zeit-Verhalten im Alltag mit dem Eintritt in den Ruhestand verändert. Bei der Untersuchung handelt es sich um eine mehrjährige Panel-Studie, die in den Regionen Hamburg und Kassel durchgeführt wurde. Mit insgesamt 50 Studienteilnehmern wurden vor und nach ihrem Ausscheiden aus dem Erwerbsleben umfassende Interviews geführt. Hierbei kam die an der Oxford University entwickelte „HATS“-Methode („Household Activity Travel Simulator“) zum Einsatz, die einen tiefen Einblick in die Alltagsstrukturen und das aus ihnen resultierende raum-zeitliche Verhalten ermöglicht. Ein Untersuchungsschwerpunkt lag auf der Verkehrsmittelwahl. Auf Grundlage der Untersuchungsergebnisse wurden Handlungsempfehlungen für die Stadt- und Verkehrsplanung abgeleitet. Es zeigte sich, dass die Studienteilnehmer mit ihrem Eintritt in den Ruhestand grundsätzlich deutlich später im Tagesverlauf als Verkehrsteilnehmer in Erscheinung treten. Darüber hinaus zeichnete sich ein Bedeutungszuwachs des Stadtquartiers bzw. der nahräumlichen Mobilität ab; der Fuß- und Fahrradverkehr gewinnt für die Alltagsmobilität an Bedeutung. Versorgungs- und Dienstleistungsangebote im eigenen Wohnquartier – und somit nutzungsgemischte Stadtquartiere – erweisen sich demnach insbesondere für die Gruppe der Ruheständler als besonders relevant. Trotz der steigenden Bedeutung des Fuß-und Fahrradverkehrs zeigt die Studie, dass dem Pkw in der Alltagsmobilität eine (nach wie vor) dominante Rolle zukommt – eine Entwicklung, die sich aufgrund des Kohorteneffekts eher noch verstärken wird. Im Rahmen der Diskussion geeigneter Handlungsansätze für die Stadt- und Verkehrsplanung zur Stärkung des Umweltverbundes werden – neben Interventionen zur Attraktivitätsminderung des Pkw – insbesondere verschiedene Maßnahmen zu Angebotsverbesserungen im ÖPNV behandelt. Dabei wird u. a. auch die Verhaltensrelevanz von Kostenwahrnehmungen betrachtet. Zusätzlich wird deutlich, dass bei der Etablierung verkehrsplanerischer Maßnahmen auch die zu-nehmende Bedeutung von Wegen, die in Begleitung anderer Haushaltsmitglieder zurückgelegt werden (Stichwort: Haushaltsmobilität), berücksichtigt werden muss. Der Eintritt in den Ruhestand erweist sich grundsätzlich als eine Umbruchsituation im Lebensverlauf, die ein Aufbrechen von (Verkehrs-)Gewohnheiten im Alltag begünstigt und die Betroffenen besonders empfänglich für Informationen zu verschiedenen Verkehrsangeboten bzw. Verhaltens-alternativen werden lässt. Hinsichtlich möglicher Handlungsansätze wird in dieser Studie u. a. thematisiert, wie im Rahmen einer zielgruppenspezifischen Kommunikation im ÖPNV dieses Zeit-fenster genutzt werden kann, um Menschen an der Schwelle zum Eintritt in den Ruhestand als regelmäßige Nutzer von Bus und Bahn (neu) zu gewinnen bzw. zu halten.

An empirical investigation of customer satisfaction and loyalty across two divergent bank segments

Customer satisfaction is an important indicator for customer loyalty, and numerous studies have identified the benefits that customer loyalty delivers to an organisation. Nevertheless, research also suggests that satisfied customers still defect. This study investigated the relationship between customer satisfaction and loyalty intentions within the Australian banking industry for two distinct customer segments, retirees and university students. Results indicate no significant difference in the satisfaction levels of either group; however, there were differences with respect to two of the five behavioural intentions dimensions: loyalty and switch. Satisfaction was found to have a significant impact on three of the five behavioural intentions dimensions: loyalty, pay more and external response, suggesting that management should initiate service policies aimed at securing improvements in customer satisfaction. However, there are also other constructs at work aside from satisfaction in determining future behavioural intentions.

The case for reverse mortgages in Australia : applying the USA experience

In the USA, reverse mortgages have been promoted as a means of accessing equity locked up in a residence, especially after the owner/s has retired. Although there have been some teething problems, the concept of mortgaging the family home after achieving freehold ownership has many merits. Often an asset-rich household must survive on relatively small regular income, and is unable to access the increasing wealth of the family home. A reverse mortgage overcomes this hurdle.

The largest asset for many ageing households is their primary place of residence, the traditional house and suburban land parcel. Recently, the Australian housing market has witnessed substantial growth in the value of its capital city housing, especially on the east coast of Australia. This can be attributed to factors such as owner-occupiers trading up to a better class of dwelling, and the continuing gentrification process for owners choosing not to relocate. At the same time, demographic changes have placed pressure on the regular income of retirees, many of whom have no superannuation fund. For example, life expectancy rates continue to rise and there are an increasing proportion of single person households in society. This has placed additional pressure on financial resources of retirees, especially those with a substantial investment in their family home and a relatively small pension.

This paper visits the reverse mortgage scenario in the USA and considers potential implications for the Australian market. Strengths and weaknesses of this product are contemplated, and the viability of reverse mortgages is discussed. Although there are obvious benefits for certain segments of society, reverse mortgages are a unique product and caution should be exercised to ensure the public is fully knowledgeable from the outset.

Superannuation retirement balances: A surprising outcome

Aim: Although the guaranteed superannuation system is believed by many to provide a safe and adequate source of funds in retirement, some will be unpleasantly surprised. The aim of this paper is to demonstrate the significant effect of the economic cycle on the final accumulated balance in superannuation retirement accounts. Method: A Monte Carlo simulation is used to illustrate the variance in outcomes that can be expected for a hypothetical individual. Results: The expected accumulated superannuation balances for two hypothetical individuals are estimated. The spread of outcomes is used to illustrate the problem of using only the mean of the distribution as a predictor of wealth in the retirement years. Conclusions: Many retirees rely on superannuation to fund their retirement. However regular contributions to superannuation does not ensure a predictable outcome, and active management of contributions is required if retirement goals are to be met.

An effective program design to support older workers with intellectual disability to participate individually in community groups

The foreshadowed increase of older people with intellectual disability has become a reality in many developed countries. As these adults age, improved quality of life can be achieved through applications of conjoint policy aims of inclusion and participation. A transition-to-retirement (TTR) program developed for employees of a large multisite disability employment service in Sydney, Australia, used these aims to effect successful partial retirement. The authors describe the program logic of the TTR, detailing its conceptual components as the first step to enabling it to be tested and replicated in other settings. The TTR program has three components: promoting the concept of retirement, laying the groundwork for inclusion of would-be retirees with intellectual disability in the community, and constructing the reality. The third component comprised five stages: planning, locating a group, mapping new routine, recruiting and training mentors, and monitoring and ongoing support. The project's participants were 24 older employees, who replaced 1 day a week of work with membership of a community group and were supported by mentors who facilitated involvement of the participants in their group. Data collected provided information on the implementation of the program, the time and costs expended, and challenges encountered. Key to the model was a coordinator, skilled in generic case management and specific disability interventions (such as active support), who collaborated with others to manage the program. The authors note that by detailing the program logic underpinning the TTR program, they have exposed the hidden work of supporting meaningful inclusion of people with intellectual disability in community groups and added to the limited stock of evidence-informed programs in this area. © 2014 International Association for the Scientific Study of Intellectual and Developmental Disabilities and Wiley Periodicals, Inc.

Transition to retirement and participation in mainstream community groups using active mentoring: a feasibility and outcomes evaluation with a matched comparison group

BACKGROUND: This paper reports on the feasibility and outcomes of a transition to retirement programme for older adults with disability. Without activities and social inclusion, retirees with disability are likely to face inactivity, isolation and loneliness. METHODS: Matched intervention and comparison groups each consisted of 29 older individuals with disability. There were 42 men and 16 women with a mean age of 55.6 years While attending their individual mainstream community group 1 day per week, intervention group participants received support from community group members trained as mentors. We assessed participants' loneliness, social satisfaction, depression, life events, quality of life, community participation, social contacts, and work hours before and 6 months after joining a community group. RESULTS: Twenty-five (86%) of the intervention group attended their community group weekly for at least 6 months. They increased their community participation, made an average of four new social contacts and decreased their work hours. Intervention participants were more socially satisfied post-intervention than comparison group members. CONCLUSIONS: The results demonstrate that participation in mainstream community groups with support from trained mentors is a viable option for developing a retirement lifestyle for older individuals with disability.

Avaliação da qualidade da assistência aos portadores de úlceras venosas atendidos no ambulatório de um hospital universitário em Natal/RN

Study descriptive that was designed to assess the quality of care for people with venous ulcers (VUs) tended at the ambulatory of a university hospital in Natal / RN. The target population of the study was composed by 40 users bearers of venous ulcers served in the ambulatory of angiology of a university hospital in the level of tertiary education. The study received assent of the Ethics Committee of the Federal University of Rio Grande do Norte (Protocol No. 169/06). The collect of data was performed using a form of interview and tour with collection of measures biophysiologic, for a team comprised by the researchers and an academic of nursing, in the period of three months. The data were analyzed in SPSS 14.0, using descriptive statistics and presented in the form of charts, tables and graphs. Identified a clientele of holders of VUs predominantly female, married, aged up to 59 years, low level of education and household income, from Natal, retirees or those exercising professions and occupations that require long periods standing or sitting. In relation to the characteristics of health, those surveyed had risk factors for venous disease and had UVs chronic, located in Zone 2, lost tissue in grade II and serous exudates on average quantity. The assistance to holders of UVs has been characterized by a lack of professional nurses and unavailability of products for the realization of the right curative in ambulatory and outside it; by the inadequacy of products used in VUs, for long periods of treatment without resolution, where the compressive therapy is not priority, by the lack of completeness in the levels of assistance; by monitoring the bearer of UVs only by doctors and the nurses, even with the other team of professionals in the health service; by the completion of guidelines by health professionals and the lack the standardization of conducting laboratory and specifics tests. The assistance was assessed as inadequate in aspects: reference and counter-reference (75.0%), number of consultations with angiologists last year (87.5%), documentation of the clinical findings (85.0%), use of compressive therapy in the past 30 days (77.5%), part of the team interdisciplinary (97.5%), completion of laboratory and specifics tests in the last year (100%), availability of products used in achieving the curative in ambulatory (80, 0%), and indication of products used in the conduct of dressing outside the clinic (70.0%) and appropriate in the guidelines made on the use of socks, lifting of the members and prescription of exercises regular (82.5%) and indication products used in achieving the curative in ambulatory (97.5%). We conclude that the assistance provided to holders of UV was inadequate in 80% of cases interviewed, becoming non-resolutive and assistematic

Inclusão social do deficiente visual: experiência e resultados de Assis

OBJETIVOS: Traçar o perfil do usuário da Sala de Recursos para Deficiente Visual na cidade de Assis - SP, avaliar a porcentagem de deficientes visuais empregados e comparar o emprego com idade, gênero, tipo de deficiência e doença causadora da deficiência, entre dois períodos: de 1984 a 1996 e de 1997 a 2009. MÉTODOS: Foi realizado estudo retrospectivo dos prontuários médicos e da ficha escolar dos portadores de deficiência visual que frequentaram a Sala de Recursos para Deficiente Visual, no período de 1984 a 2009 na cidade de Assis - SP, divididos em dois períodos de 1984 a 1996 (G1) e de 1997 a 2009 (G2). Analisaram-se dados demográficos, a doença que provocou a baixa visão, o tipo de deficiência visual (cegueira ou baixa visão), escolaridade, recursos ópticos, frequência à Sala de Recursos para Deficiente Visual e taxa de emprego. Foi feita associação da taxa de emprego com: idade, gênero, raça/cor, tipo de deficiência e doença nos dois diferentes períodos. RESULTADOS: Foram encontrados 149 deficientes visuais sendo: 61,07% homens, 38,9% mulheres, 82,5% brancos e 17,4% não brancos e a mediana da idade foi de 18 anos. Dos 149 deficientes visuais, 63,75% eram portadores de baixa visão e 36,24% portadores de cegueira. As principais doenças que levaram à deficiência visual dos 149 pacientes foram em ordem decrescente: retinocoroidite por toxoplasmose (17,40%), atrofia óptica congênita (12,10%), alta hipermetropia (8,72%), retinose pigmentar e alta miopia (6,71% cada uma) e glaucoma congênito e catarata congênita (6,04% cada uma). A frequência à Sala de Recursos para Deficiente Visual foi boa em mais de 50% dos pacientes. Estavam trabalhando regularmente 44,7% e 12,3% dos maiores de 14 anos respectivamente nos períodos de 1984 - 1996 e de 1997 - 2009. Não houve diferença entre os dois períodos quanto às características demográficas, tipo de deficiência e doenças, havendo correlação da taxa de emprego apenas com a idade (pacientes com média de idade maior apresentavam maior porcentagem de emprego). CONCLUSÕES: Os deficientes visuais eram na maioria homens, brancos, portadores de baixa visão e portadores de toxoplasmose ocular. Quase metade (44,7%) dos pacientes com mais de 14 anos encontrava-se trabalhando regularmente até 1996 sugerindo que esforços conjuntos de oftalmologistas e educadores auxilia na inclusão social destes pacientes. A taxa de emprego caiu no período de 1997 a 2009 e a de aposentados aumentou.

Social Security in the United States: Overview and Outlook

Includes bibliography

Labour markets and pension systems

Includes bibliography

Conversas sobre matemática com pessoas idosas viabilizadas por uma ação de extensão universitária

Coordenação de Aperfeiçoamento de Pessoal de Nível Superior (CAPES)

Relaxamento progressivo, stress, enfrentamento e qualidade de vida em pessoas com apneia obstrutiva do sono

Pós-graduação em Psicologia do Desenvolvimento e Aprendizagem - FC

Envelhecimento e novas tecnologias: a inclusão digital e tecnológica na preparação para a aposentadoria e sua influência na qualidade de vida

Coordenação de Aperfeiçoamento de Pessoal de Nível Superior (CAPES)